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First-Time Home Buyer

What First-Time Home Buyers Should Know

Real Estate / By

Making the decision to buy a home can be both exciting and frightening at the same time. There are many considerations to be accounted for before you even sign the papers. Since this is likely the biggest purchase you have ever made, it’s important to do it right to prepare for the future. Consider the type of home you want to buy, decide on a budget and stick with it, understand that the searching and buying process can be a long and arduous task, and be sure that buying is the best option before you go in. Here are some other good tips to get you started.

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Breaking the Budget Bonds: How to Free Up More of Your Finances

Budgeting / By

If you’re like most people, you realize that you put a budget in place to limit spending and to reach other financial goals of saving money or paying down debt. Of course, like most people after living on a budget for a while, you may find that although it does help you save and get rid of debt, it doesn’t make life a whole lot of fun.
The answer to this dilemma is not to change your budget and reduce your savings, it’s to change your bills to free up more of your money. Use these tips to help get more freedom in your budget.

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8 Tips for Saving Money on Your Utility Bill

Energy / By

the fourth largest expense in your home is the monthly utility bills. The typical American family spends roughly 11% of their total budget on “Utilities and Other Household Operational Costs.” The only higher expenditures are for your mortgage or rent, taxes and transportation. You actually spend more for utilities than for food, or the total of (Social Security Contributions, Personal Insurance and Pensions), or Healthcare.

Fortunately, there are strategies you can employ that help to reduce the cost of your utilities and free up more of your income. Here are six tips that you can use today and save money in the months and years to come.

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5 Simple Steps to Take Control Of Your Financial Future

Money Management / By

It seems obvious that everyone wants to have a strong stable financial future. But wanting and getting are two different things. Fortunately (or unfortunately as the case may be) the decisions that we make early in life can affect how much wealth we develop later on. To take control of your financial future, here are a few simple steps that you can take to drastically increase your chances for success.

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Tax Season Tricks to Get the Best Return

Taxes / By

Most people dread the process of filing their taxes. But maximizing your return with a few minor tweaks in the way you file could take a bit of the anxiety out of the process. Reevaluating your W-4, reconsidering your filing status, and claiming the earned income tax credit are just a few ways you can get the biggest return possible on your income taxes. So, stop dreading filing your taxes and start looking forward to a big return by following these simple tips.

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Tips to Boost Your Credit Score

Credit Rating / By

Many people are oblivious to the importance of a good credit score until the need arises… at which point it is too late. The awakening could come when you have to move out of a parent’s basement, or take out a loan for a car or startup. The tricky part about boosting your credit score is it doesn’t come overnight, or even after a few months. You have to plan strategically and build up your finances over time. Boost your credit score incrementally using these three simple tips.

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Hidden Write-Offs You Shouldn’t Forget in Your Taxes This Year

Taxes / By

For most taxpayers, reducing their annual tax burden is a major financial goal. According to the Internal Revenue Service, millions of Americans claim deductions on their taxes every year. Some examples of popular deductions include real estate taxes, home mortgage interest, charitable gifts, and local taxes. However, many taxpayers overlook a number of tax write-offs that could make a significant impact on their tax burden. Where applicable, consider applying the following tax deductions to your return this year.

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Top 10 Cities for 1st Time Home Buyers and Retirees

Real Estate / By

Recently “The Money Source” decided to mine their database of home loan applications and choose their top 10 cities for first time home buyers. Of course every list like this is somewhat subjective and depends a lot on what criteria they used for their decisions. But when it comes to first time home buyers obviously low cost real estate is going to be a major priority. Another key factor will be a healthy local economy that provides plentiful job opportunities. But in addition to just financial factors choosing a location to relocate to also involves ascetics i.e things to do, places to go, and people to see.

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